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Skylight checking accounts provide an inexpensive alternative to a conventional bank for workers who receive their paychecks via direct deposit. Cardholders can withdraw cash at millions of locations all over the world and use their cards as Visa debit cards to make purchases.

In addition to receiving direct deposits, customers can also deposit funds using MoneyGram ExpressPayment, wire transfers and USPS money orders. Customers who obtain Skylight accounts through their employers can change their direct deposit easily if they switch jobs.

For a small monthly fee, Skylight customers can also create sub-accounts into which funds may be transferred free of charge for access by cardholders in other states or countries. Alternatively, they can open joint accounts to which they can add spouses or other family members.

Skylight customers can sign up for online banking, which enables them to access and manage their accounts online and pay bills automatically; paper checks are also available. Registering for online banking also enables customers to receive email or text alerts regarding transactions, deposits and balance updates.